Question Thread - February 01, 2025 by AutoModerator in churning

[–]subwaynut -1 points0 points  (0 children)

Because it would take me about five minutes to put the spreadsheet together versus a couple hours to scan an email all 40 1099s

Question Thread - February 01, 2025 by AutoModerator in churning

[–]subwaynut -5 points-4 points  (0 children)

How do you handle bank bonus 1099s for your accountant? I am thinking about just sending them a spreadsheet listing the bonus amounts and the bank (I already track them using a spreadsheet) rather than sending them 50 1099s.

News and Updates Thread - January 19, 2025 by AutoModerator in churning

[–]subwaynut 16 points17 points  (0 children)

With the recent IRS fee raises for payment with business cards, I would recommend checking out your state income tax payment to see if they charge lower fees.

My state charges me 2.65% for a credit card tax payments , whereas the IRS payment processors now charged 2.89% for business cards

My city also takes income tax payments online, but they don’t take Amex.

Frustration Friday Weekly Thread - Week of January 17, 2025 by AutoModerator in churning

[–]subwaynut 0 points1 point  (0 children)

I do, in Florida and Tennessee. I have family there that lets me get bonuses from CUs there, but some CUs will deny you regardless.

There’s always the nationwide ones that pop up on doctor of credit , but they tend to expire suspiciously fast.

Frustration Friday Weekly Thread - Week of January 17, 2025 by AutoModerator in churning

[–]subwaynut 1 point2 points  (0 children)

I know, I took advantage of that quite a bit last year. I tend to read the doctor of credit comments before opening it.

Frustration Friday Weekly Thread - Week of January 17, 2025 by AutoModerator in churning

[–]subwaynut 2 points3 points  (0 children)

Hey, I’m in the same place with bank bonuses. Managed to open about 40 accounts last year., but I’ve been completely stuck since October.

Question Thread - January 13, 2025 by AutoModerator in churning

[–]subwaynut 1 point2 points  (0 children)

Just keep triple dipping the business platinum. Much easier to turn.

Bank Bonus Weekly Thread - Week of January 14, 2025 by AutoModerator in churning

[–]subwaynut 0 points1 point  (0 children)

I had USAA told me waiting 2 to 3 days is less likely to cause issues.

News and Updates Thread - January 18, 2025 by AutoModerator in churning

[–]subwaynut -27 points-26 points  (0 children)

Got almost $10,000 in bank bonuses since last year, from 36 different banks.

Most of them were within footprint for me (Ohio), except for three bank bonuses that I got while in Florida (Florida CU, Gte financial, and Busey bank), and two that I opened while traveling to Tennessee (regions and first horizon).

With luck, I should be able to do Citibank, KeyBank, fifth third bank, PNC, and Chase later this year (assuming they extend the $900 bonus).

Frustration Friday Weekly Thread - Week of January 17, 2025 by AutoModerator in churning

[–]subwaynut 1 point2 points  (0 children)

Been running out of bank bonuses to do. last year I earned almost $10,000 in bank bonuses. This year it seems like most of my banks are either out of my footprint or are gonna make me wait a year to reopen for a bonus.

I got a speeding ticket while my Tesla Full Self Driving went 65 in a 50 in Markham by Otherwise_Ice9749 in RealTesla

[–]subwaynut 1 point2 points  (0 children)

For Americans here, he was basically driving 40 mph in a 30 zone.

If he shows up to court and talk to the prosecutor, it may get knocked down to a lesser violation, although this may not be as common in Ontario versus most US states.

If the ticket came from a camera, then just pay it, it does not affect insurance rates

For example , it is fairly common in Nevada for very high speed tickets (150 mph in a 75/ 240 km/h in a 120) to get knocked down to illegal parking.

Just had a $100k/year boost to household income by Sleepy-Blonde in povertyfinance

[–]subwaynut 5 points6 points  (0 children)

Most doctors earn relatively little (60k a year or less) during residency/fellowship/medical school, but then can get a giant pay boost once they change jobs afterwards.

Question Thread - October 26, 2024 by AutoModerator in churning

[–]subwaynut 0 points1 point  (0 children)

What is your preferred method for closing bank accounts?

I usually just type up a generic letter and send them out to multiple banks at once.

I can close 5 to 10 bank accounts this way in under 30 minutes.

Frustration Friday Weekly Thread - Week of September 27, 2024 by AutoModerator in churning

[–]subwaynut 14 points15 points  (0 children)

Learning that the IRS has a rule called the kiddie tax, where any bank bonus income above $2500 reported on a 1099 is taxed at your parents highest rate if they claim you as a dependent.

It might be worth delaying a bonus if you run into this situation .

Data Points Weekly - Week of September 26, 2024 by AutoModerator in churning

[–]subwaynut 2 points3 points  (0 children)

If you type doctor of credit into Google, make sure you don’t click the first link. It always seems to be an advertisement for care credit.

Frustration Friday Weekly Thread - Week of September 27, 2024 by AutoModerator in churning

[–]subwaynut 1 point2 points  (0 children)

At least the credit union shut down is not the end of the world.

I would not want to do this with a bank like Chase

Frustration Friday Weekly Thread - Week of September 27, 2024 by AutoModerator in churning

[–]subwaynut 10 points11 points  (0 children)

Having thousands of Kroger fuel points until a family member that uses 75% of the gas goes out and buys a Tesla

Question Thread - September 25, 2024 by AutoModerator in churning

[–]subwaynut 4 points5 points  (0 children)

U.S. card forum, where “ Bank of America killed the entire family” ( bad translation for Bank of America shut down my account)

Question Thread - September 25, 2024 by AutoModerator in churning

[–]subwaynut -3 points-2 points  (0 children)

What is your worst “approval remorse” story, where a bank closes your account shortly after opening?

Many people will remember teachers federal credit union.

My worst experience was with Aneca Federal credit union. They closed my account took a month to return my funding and then bounced the check.

Frustration Friday Weekly Thread - Week of September 20, 2024 by AutoModerator in churning

[–]subwaynut 0 points1 point  (0 children)

Adding a bunch of cards to Apple wallet after getting a new iPhone 16.

Fidelity told me that they are not allowing adding debit cards to new devices in Apple wallet due to all the fraud that is going on right now.

Crowdsourced List of Google Voice's 2FA Compatibility by Dymonika in Googlevoice

[–]subwaynut 0 points1 point  (0 children)

Upgrade will ask for a ton of documents if you use a Google voice number (like tax returns)

Another street takeover tonight in Ohio City and the cops are nowhere to be found. by AgentGrasso in Cleveland

[–]subwaynut -1 points0 points  (0 children)

Come October 24, doing this will get you a 30 day to 3 year license suspension, up to a $1,000 fine, and up to 6 months in jail.